Credit 24 - credit broker in LuxembourgMy credit in Luxembourg
(+352) 20 20 34 41Appeler le (+352) 20 20 34 41

Careful, borrowing money also costs money

Loan interest rates in Luxembourg

Every month, the rate from our grid for a typical case of each loan, and how it has changed since the previous month. Recorded automatically on the 1st of the month.

Loan interest rates in Luxembourg this month

Here is the rate from our grid for a typical case of each loan, with the monthly instalment, the change since the previous month and the full range of the grid.

Recorded on 24 September 2026

Loan interest rates in Luxembourg, September 2026, for a typical case of each loan
Loan and typical caseFixed APROver one month
Personal loan10 000,01 € over 60 months7,95 %*201,20 €-
Debt consolidation20 000 € over 84 months7,95 %*308,48 €-
Home improvement loan20 000,01 € over 120 months4,70 %*208,25 €-
Energy loan20 000,01 € over 120 months4,40 %*205,48 €-
Car loan · New or up to 3 years25 000 € over 60 months4,89 %*469,30 €-
Car loan · Over 3 years10 000 € over 48 months6,99 %*238,42 €-

First edition of the barometer: the change since the previous month will appear from the next recording.

Maximum legal APRs: 20,50 %, 15,50 % from €1 250, 12,00 % from €5 000.

* Rate from our grid for this amount and term: a preferential rate, subject to conditions and to acceptance of your application. Fixed borrowing rate, equal to the APR: Credit 24 never charges an arrangement fee. The conditions and the representative example of each loan are on its page.

Month-by-month trend

The rate for each typical case, recorded on the 1st of every month since September 2026.

Monthly change in the rate of each typical case
MonthPersonal loanDebt consolidationHome improvement loanEnergy loanCar loan · New or up to 3 yearsCar loan · Over 3 years
September 20267,95 %7,95 %4,70 %4,40 %4,89 %6,99 %

How to read this barometer

  • Who publishes it: Credit 24, a credit broker in Luxembourg since 2011, for residents of the Grand Duchy and of Belgium.
  • The source: our current rate grid, the same one the simulator uses, recorded automatically on the 1st of every month. A recorded month is never changed afterwards.
  • The typical case: a fixed amount and term for each loan, so that months can be compared. Your rate depends on your amount, your term and your application.
  • Fixed rates: the monthly instalment never changes for the whole term of the loan.
  • The APR: Credit 24 never charges an arrangement fee, so the APR is equal to the borrowing rate.
  • New or used up to 3 years old: both have exactly the same grid, hence a single line for a recent vehicle on the car loan.

What will my rate be?

The simulator gives you the rate, the monthly instalment and the APR for the amount and term of your choice. To find out what your budget allows, use the borrowing capacity calculator.

The information on this page does not constitute a credit offer and is subject to acceptance of the loan application.

In the same section

How it works
Apply now